Lifestyle
How Domestic Travel Insurance Can Protect You On Your Australian Adventure

Many Australians travelling within the country tend to overlook domestic travel insurance or give it no more than a passing thought and dismiss it out of hand. They (incorrectly) assume it to be unnecessary but there is some logic to this, as anyone with Medicare is already fairly well covered in terms of their health. Emergency hospitalisations, procedures, and medications are all covered and will not cost extra. But that does not tell the whole story, far from it. There are more issues to face when travelling domestically and we plan to discuss them in detail here.
Ambulances
The first misnomer to address regarding the all-encompassing coverage of Medicare is that of ambulances. They are not included in any Medicare coverage, meaning the user will be liable for the cost. Australia is a huge place, to say the least, and those ambulance fees might be exceptionally high. Especially if you have to be air-lifted to safety by helicopter or other rescue services are involved.
- Domestic travel insurance takes this issue out of the equation, with most policies providing full cover for ambulance services.
Dentistry
Another area where Medicare falls short is in dentistry. It does not cover dental issues at all; if the dreaded toothache strikes, there is a good chance your trip will be ruined. Check your intended domestic travel insurance policy carefully for mention of dental coverage; you may find it offers some provision for treatment on the road.
Last minute cancellations
Choosing not to purchase domestic travel insurance exposes you to the risk of paying the full cost of your trip, even if events dictate that you need to cancel. Although some tour companies will kindly allow you to re-schedule pre-booked events for later dates, some will not. Nor are they required to do so by law. Larger hotel chains will be unlikely to sympathise and flight companies are notoriously strict on cancellations unless you pay for flexible tickets.
- If you booked any of the elements of your trip using a credit card, you may have some protection provided by default.
Lost luggage
Internal flights are just as capable of losing your luggage as international ones and nothing could be more frustrating than making your way to Sydney for a business meeting only to find your suit is lost along with all your other luggage.
- Here again, domestic travel insurance will assist you when this happens and provide compensation.
Natural disasters
Although not stricken by too many earthquakes or volcanoes, Australia has more than its share of natural disasters, primarily in the form of bushfires. These are no joke and can cause not just disruption and inconvenience but immense destruction of property and even death. When wildfires rage out of control, making your way to safe areas can be very challenging, often incurring high costs.
- You will find those covered by most domestic travel insurance policies.
Do I need domestic travel insurance within Australia?
There are several good reasons to consider taking out domestic travel insurance for any trip in Australia. At the end of the day, it remains a personal decision, contingent on individual plans and requirements but it is safe to say it bears closer inspection and consideration. It is also a good idea to check any coverage provided by your credit cards. They might offer adequate protection for the trip you have in mind, especially regarding potential cancellations.
Lifestyle
Derik Fay: The Strategist Who Built Empires Where Others Saw Limits

In the ever-changing landscape of entrepreneurship, few names carry the weight of strategic precision like Derik Fay. Behind the scenes of some of the most dynamic, growth-driven companies in America, Fay has become a master at the art of scaling businesses without sacrificing soul.
What makes his journey all the more compelling isn’t just what he’s done — it’s how quietly and deliberately he’s done it. Born in Westerly, Rhode Island, on a cold November day in 1978, Fay didn’t come from connections or capital. He came from resilience. Raised in modest circumstances, he developed a mindset early on that would come to define his success: if a door doesn’t open, build the damn frame yourself.
At 6’1″, Fay’s physical presence is matched only by the magnitude of his vision. Over the past two decades, he’s grown from a solo operator into a force that touches nearly every major sector in American business. He is best known as the founder of 3F Management, a multi-sector venture and private equity firm that acts less like a bank and more like a command center — diagnosing broken business structures, overhauling teams, and rebuilding revenue engines from the inside out.
But 3F is only the beginning. Fay holds active leadership or board roles across a broad range of ventures, including Around the Clock Fitness, SalonPlex, Results Roofing, BIGG Pharma, Tycoon Payments, Eratyc Entertainment, FayMs Films, and even the combat sports disruptor Bare Knuckle Fighting Championships (BKFC). Each of these businesses reflects a different side of his philosophy: high-functioning systems, vertical integration, and zero tolerance for mediocrity.
And while his public persona is often understated, the reach is massive. His online presence alone has generated billions of views, with over 1.4 million followers engaging with his strategic insights, mentorship content, and thought leadership across platforms. He’s not an influencer — he’s an executor with influence.
Yet behind the numbers and headlines is a family man. Since 2021, Fay has shared his life with his partner, Shandra Phillips, whose presence he often credits as grounding his often chaotic, deal-driven world. Together, they raise two daughters, Sophia Elena Fay and Isabella Roslyn Fay — the true north to his professional compass.
Despite his vast portfolio, Fay is not driven by applause. He’s driven by the ripple effect. Every deal, every venture, every mentorship session carries the same intention: to leave people, companies, and communities better than he found them.
He’s also begun exploring a new frontier — film and entertainment. Through FayMs Films and strategic partnerships with entertainment studios, Fay is merging business with storytelling, stepping occasionally into the spotlight as an actor and executive producer. It’s a logical evolution for a man who’s spent his life crafting narratives — only now, some of them play out on screen.
And while many entrepreneurs spend their careers chasing validation, Fay has been repeatedly recognized in major outlets like Forbes, Yahoo Finance, and Maxim, not for buzz but for results. He’s been cited alongside legacy names in global business and continues to operate with the same laser-focus that got him through his first startup, his first failure, and his first million-dollar win.
In a time when founders obsess over being seen, Derik Fay has built something far rarer — he’s become essential. Not just to his companies, but to the evolving definition of what modern leadership looks like: measured, disciplined, people-first, and unapologetically ambitious.
He doesn’t just build businesses.
He builds systems that build people.
Derikfay.com
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